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National Financial Literacy Program (NFLP)

Introduction Financial literacy is crucial for individuals to make informed decisions about their money and achieve financial wellness. In Pakistan, the need for financial literacy and wellness is more important than ever. Financial literacy leads to financial inclusion, which is defined as access to formal financial services by individuals & firms to use a range of quality payments, savings, credit and insurance services which meet their needs with dignity and fairness. State Bank of Pakistan launched National Financial Literacy Program (NFLP) to promote financial inclusion through spreading financial education for inclusive economic growth and stability across the country. Bank AL Habib is engaged in empowering citizens to make informed financial decisions through its products, services, and financial literacy initiatives. Enabling Financial Wellness Budgeting Saving Retirement Planning Budgeting Creating and sticking to a budget is essential to achieving financial wellness. In Pakistan, where the average household income is around PKR 45,000 per month, budgeting can help individuals manage their finances effectively. How can you budget? Start by calculating your monthly income and expense Categorize your expenses into fixed and variable Set financial goals and prioritize your spending Use budgeting apps or spreadsheets to track your expenses Saving Saving is a critical component of financial wellness. However, in Pakistan, where the savings rate is only 10.2% of the GDP, it is essential to understand the benefits of saving and develop a saving habit. How can you save on a limited budget? Start by setting realistic saving goals Automate your savings by setting up a standing order Cut down on unnecessary expenses Explore investment options such as savings accounts, fixed deposits, and mutual funds Retirement planning Retirement planning is essential for long-term financial wellness. In Pakistan, where only 10% of the population has a pension plan, it is important to start planning for retirement early. Here are some tips and tricks for retirement planning: Calculate your retirement needs and set retirement goals Start saving for retirement as early as possible Explore retirement plans such as pension plans and individual retirement accounts Review your retirement plan regularly Bank AL Habib`s Initiatives for Your Financial Wellness Current Accounts We offer an array of products and services that help you meet your financial needs. Our current check-in accounts are an ideal option for your day-to-day banking needs. Learn more about our current accounts by clicking here. Saving Accounts Saving accounts provide a convenient option for customers to attain return on savings and an additional monthly income. You can view saving accounts by clicking here. AL Habib Mobile App & Netbanking Facility AL Habib Mobile App allows you to bank on the go. To track your spending, check your transactions through the quick-view of the E statement facility. Use Bookme.pk to reserve participation in lifestyle activities, and save through exclusive deals. Transfer your funds to others and pay bills conveniently without using cash or visiting the Bank branch. Digital Accounts & Account Opening Facility We offer a convenient way to open your bank account digitally in a few simple steps. To open your account digitally, click here National Financial Literacy Program - NFLP Activities With the aim to understand monetary principles, financial products/services, and cultivating positive attitudes toward economic well-being, Bank AL Habib is dedicated to promote financial literacy within the middle and low-income households of Pakistan. Through a series of Classroom Sessions and Street Theaters, in-house trainers are disseminating financial knowledge among the masses and imparting essential financial concepts. This effort has engaged over 8,000 participants encompassing both males and females, opening more than 4,000 accounts during Phase II of the program. Notably, this initiative has led to the active involvement of over 3,500 females, with more than 1,000 females successfully opening their own accounts. View Gallery National Financial Literacy Program (NFLP) Phase II Year 3 The third year of Phase II of the National Financial Literacy Program (NFLP) has commenced, and Bank AL Habib Ltd. has been assigned its targets for this year. Along with classroom sessions and street theaters at the district level, a key focus of this phase is reaching the unbanked population with our simple and seamless digital banking services such as digital account opening process. For more details, please refer to the table below for our targets for FY 2024-2025. NFLP-II Targets for FY2024-25 Districts Classroom Sessions Street Theaters No. of Sessions Beneficiaries No. of Sessions Beneficiaries 36 271 6775 51 3825 Pakistan Financial Literacy Week 2025 Pakistan Financial Literacy Week (PFLW) is dedicated to advancing financial inclusion and literacy. Through a collaborative effort between Bank AL Habib and the State Bank of Pakistan (SBP), PFLW will take place from 14th-18th April, 2025, under the theme "Financial Literacy through Collaboration and Innovation." The objectives of Pakistan Financial Literacy Week (PFLW) are as follows: Promote the adoption of Digital Financial Services to enhance accessibility and convenience. Empower individuals by providing them with the necessary knowledge and skills to make informed financial decisions. Highlight the importance of Financial Education in ensuring financial well-being and security. Foster collaboration among stakeholders to create a more inclusive and resilient financial ecosystem. The following section provides a day-wise breakdown of activities to be conducted during NFLP Week 2025: Day 1: Financial Literacy Camps Day 2: On- Campus Workshops and awareness activities Day 3: Visits at bank branches Day 4: Employee Engagement Activities Day 5: Financial Literacy Walk Click here to download the PFLW Camp Locations. .btn-primary:not(:disabled):not(.disabled):active, .btn-primary:not(:disabled):not(.disabled).active, .show > .btn-primary.dropdown-toggle { border-color: #008b4d; } .nav-pills .nav-link.active, .nav-pills .show > .nav-link { color: #fff; background-color: #00a25a !important; }

Green Banking Initiatives

Bank AL Habib promotes environmental sustainability through its Green Banking initiatives, while also nurturing a strong culture of social responsibility. By aligning with global sustainability frameworks, engaging employees, and taking steps to reduce its carbon footprint, Bank AL Habib demonstrates its commitment to building a more sustainable future. Bank AL Habib integrates environmental sustainability across 3 core pillars: Strengthening Sustainability Through Environmental and Social Risk Management (ESRM) Integration Environmental and Social Risk Management Green Business Facilitation Reduction of the Bank’s Own Environmental Impact The Bank has embedded an ESRM framework within its credit evaluation process for both new and existing clients. As one of only two banks selected by the State Bank of Pakistan to pilot ESRM in lending, Bank AL Habib commenced full integration of the framework in March 2024. This ensures that all credit proposals are subject to rigorous screening for environmental and social risks. Where risks are identified, an Environmental and Social Action Plan is implemented to ensure continuous improvement and monitoring. To support this initiative, over 1500+ employees have been trained in ESRM, reinforcing compliance with mitigation protocols. To further strengthen its sustainability strategy, Bank AL Habib has partnered with KPMG Taseer Hadi & Co. Pakistan for consultancy in the implementation, validation and reporting of its Environmental, Social, and Governance initiatives. This collaboration enhances the credibility, effectiveness, and transparency of the Bank s ESG efforts. WWF-Pakistan Green Office Certification: A Milestone in Sustainable Operations Bank AL Habib's DHA Phase 6, Lahore branch has been recognized as the first certified Green Office of 2024 by WWF-Pakistan. This certification, part of WWF’s Green Office initiative, aims to reduce CO₂ emissions through energy efficiency, effective waste management, and the adoption of sustainable operational practices. As part of the certification process, WWF-Pakistan conducted a comprehensive audit, validating Bank AL Habib's commitment to environmental sustainability. This achievement highlights the Bank's continued efforts to enhance resource efficiency through water and energy conservation, minimized paper consumption, and responsible procurement practices. Empowering Employees for a Sustainable Future Employee engagement plays a vital role in Bank AL Habib's sustainability journey. To build internal capacity and foster a culture of environmental responsibility, 3,500+ employees across the country have participated in more than 75+ sessions focusing on key topics such as Green Banking, Green Taxonomy, and Environmental and Social Risk Management. These initiatives promote a deeper understanding of sustainable finance and risk mitigation. To further embed sustainability in its corporate culture, Bank AL Habib has introduced a Green Culture initiative, which includes regular sustainability bulletins to raise staff awareness. Additionally, sustainability principles have been integrated into the Management Trainee Officer program, equipping future leaders with the knowledge and tools to champion environmental stewardship in the financial sector. Driving Resource Efficiency Through Green Branches Bank AL Habib is actively expanding its network of green branches, with seven locations already designated as sustainable branches. These branches operate with a focus on 5 key sustainability indicators: Paper Fuel Water Electricity Waste To promote responsible consumption, the Bank closely monitors paper usage across its operations, achieving significant reductions. To minimize electricity consumption and reliance on non-renewable energy sources, these branches are powered by solar energy. The Bank has also partnered with a specialized vendor to manage recycling and waste repurposing, significantly reducing landfill contributions. To further reduce its carbon footprint, Bank AL Habib encourages virtual meetings to limit travel and associated fuel usage. In support of transparency and performance tracking, the Bank is developing an online database for real-time reporting on resource consumption and reduction milestones. Additionally, the Bank's Green Procurement Strategy ensures that all purchasing decisions are aligned with environmentally sustainable standards, reinforcing its long-term commitment to responsible operations. Alignment with the United Nations’ Sustainable Development Goals. Bank AL Habib’s sustainability efforts are closely aligned with the United Nations' Sustainable Development Goals (SDGs), reflecting the Bank’s commitment to driving positive environmental and social impact. Through its initiatives, Bank AL Habib contributes to the global agenda for sustainable development, aiming to build a more resilient and inclusive future by 2030. Good Health and Well Being Since 2024, Bank AL Habib has placed an even stronger emphasis on employee well-being by conducting a series of health and wellness initiatives. These include workshops on stress management, awareness sessions on Thalassemia, breast cancer, and diabetes, as well as emotional intelligence training to foster a healthier and more supportive work environment. Health, Safety, and Environment remains a key operational priority for the Bank. Regular fire drills are conducted across all premises, complemented by comprehensive training sessions designed to equip employees with essential safety knowledge and emergency response protocols. This proactive approach not only enhances workplace readiness but also encourages the adoption of safety practices beyond the office, promoting a culture of well-being and responsibility. Gender Equality Bank AL Habib is committed to advancing gender equality through inclusive hiring practices and other women-centric initiatives. The "Banking on Equality" department, which oversees the AL Habib Woman, a dedicated portfolio of banking services for women, is a prominent feature of the Bank. This department also manages various women-focused initiatives within the Bank. Aligned with its vision of empowering women in business, the Bank has introduced the AL Habib Kamyab Khatoon Zarai Finance scheme, offering specialized financial products for female agri-entrepreneurs across Pakistan. Additionally, the Bank AL Habib Woman ApniCar Auto Finance Facility allows women to fulfill their dream of car ownership with flexible repayment plans and affordable rates. The Bank celebrates International Women’s Day and Women’s Week to further promote financial inclusion and highlight the critical role of women in the economy. Affordable and Clean Energy In 2024, Bank AL Habib successfully solarized 57 branches, with a total installed capacity exceeding 682KW, reflecting a 52% increase from the previous year. The Bank is committed to further expanding its solarization efforts in 2025, continuing to enhance its sustainability initiatives and reduce reliance on non-renewable energy sources. Health, Safety, and Environment remains a key operational priority for the Bank. Regular fire drills are conducted across all premises, complemented by comprehensive training sessions designed to equip employees with essential safety knowledge and emergency response protocols. This proactive approach not only enhances workplace readiness but also encourages the adoption of safety practices beyond the office, promoting a culture of well-being and responsibility. Decent Work and Economic Growth Bank AL Habib supports inclusive economic growth through targeted recruitment programs focused on youth, women, and marginalized communities. The Bank offers competitive employee benefits and leadership development opportunities, while also advancing financial inclusion through its expanding digital banking services. By providing customized financial solutions for small and medium enterprises and women entrepreneurs, Bank AL Habib plays a key role in promoting job creation and driving economic diversification across the country. Reduced Inequalities Bank AL Habib is dedicated to fostering financial inclusion and accessibility by employing over 150 persons with disabilities (PWDs) and retrofitting more than 14 branches to ensure ease of access for all. These enhancements include wheelchair-friendly entrances, ATM cabins, and cash counters, along with ramps, railings, and tactile flooring to support mobility. To further accommodate customers and employees with disabilities, the Bank has introduced dedicated service counters, token systems, help desks, and designated parking spaces. Branches are equipped with wheelchair-accessible door designs, appropriate signage, and Braille materials to enhance the banking experience. Recognizing the importance of inclusive communication, Bank AL Habib has trained staff in effective interaction with PWDs and introduced Sign Language training and sensitization sessions through its Training & Management Development Division. Additionally, the Bank launched an e-learning module, AL Habib iLearn, to promote continued awareness and understanding of PWD-related sensitivities. With nearly 98% of its branches now accessible, Bank AL Habib reaffirms its commitment to reducing inequalities and building a truly inclusive environment for both customers and employees. Climate Action Bank AL Habib offers Smart Climate Agriculture Financing to promote resource-efficient practices and technologies across both agricultural and non-agricultural sectors. This tailored financing solution supports the adoption of alternative energy systems, advanced water management techniques, and precision agriculture practices, enhancing sustainability and operational efficiency across the agricultural value chain. Beyond financing, the Bank actively contributes to environmental awareness and policy dialogue. It has published insightful articles on critical topics such as green taxonomy, sustainable supply chains, and carbon markets in leading English, Urdu, and Sindhi newspapers. Additionally, Bank AL Habib collaborates with prominent think tanks such as Future Forum and regularly participates in national and international summits dedicated to green finance and climate change—reinforcing its commitment to driving impactful, knowledge-based sustainability initiatives. #green-banking p { font-size: 19px !important; } span.green { color: #00a25b !important; } .environment-sec h4 { color: #00a25b; font-size: 26px !important; } .environment-sec h3 { font-size: 35px; text-transform: capitalize; } .environment-sec .card { background: white; border-radius: 20px !important; box-shadow: 0px 0px 2px 3px #eee; } .environment-sec h5 { font-weight: 400; color: black !important; } .green-feature-inner .icon-wrap { padding: 45px 15px; background: #f4f4f4; border-radius: 7px; } .featuerImg img { width: 78px !important; height: 78px !important; } .green-feature-inner img { width: 78px !important; height: 78px !important; } .green-feature-inner h5 { font-weight: 400 !important; color: black !important; } .owl-nav { top: -15px !important; } .owl-carousel .owl-item { height: unset !important; } .owl-carousel .owl-nav button { border: 0px !important; background: white !important; width: 40px; height: 40px; line-height: 43px !important; } .owl-carousel .owl-nav button i { color: #00a25b; } .owl-nav button[class^="owl-"]:hover i { color: #fff !important; } .owl-theme .owl-nav [class*=owl-]:hover { background: green !important; } body.dark-mode .environment-sec .card { background: #333 !important; box-shadow: none !IMPORTANT; } body.dark-mode .environment-sec h5 { color: white !important; } body.dark-mode .green-feature-inner .icon-wrap { background: transparent !important; border: 1px solid #5a5a5a !important; } body.dark-mode .green-feature-inner h5 { color: white !important; } body.dark-mode h4 { color: #72ec8e !important; }

Credit Ratings

Pakistan Credit Rating Agency Limited (PACRA) has maintained the Bank's long term entity and short term entity ratings at AAA (Triple A) and A1+ (A One plus), respectively. This long term credit rating AAA (Triple A) denotes the highest credit quality with the lowest expectation of credit risk, and indicates exceptionally strong capacity for timely payment of financial commitments. The ratings of our unsecured, subordinated Term Finance Certificates (TFCs) are AAA (Triple A) for TFC-2021 and TFC-2022, and AA+ (Double A plus) for TFC-2017 (perpetual) and TFC-2022 (perpetual). These ratings denote a very low expectation of credit risk emanating from a very strong capacity for timely payment of financial commitments. Further, the TFC-2022 & the TFC-2022 (perpetual) issued in 2022, were listed on Pakistan Stock Exchange (PSX) pursuant to Chapter 5C of PSX Rule Book. The ratings reflect BAHL’s strong performance, exceptional asset quality and healthy financial profile emanating from a strong equity base. The Bank’s business strategy derives strength from its strong positioning in niche market-trade finance. The ratings draw comfort from the Bank’s experienced management team, prudent risk management policies and deep rooted relationship with clients-borrowers as well as depositors. The ratings incorporate the Bank’s ability to cap

Credit Card Features

Acceptability Around the Globe AL Habib Credit Cards are honored at 24 million locations in over 120 countries including thousands of merchants in Pakistan, AL Habib ATMs and MasterCard/Cirrus ATM networks worldwide. It gives you freedom of spending, financial security and worldwide recognition. You can make payments in any currency i.e. in case; you are traveling abroad, the currency of that particular country. However, the amount billed will be in Pak Rupees.   Revolving Facility You may pay in full or enjoy revolving credit facility by paying only 5% of your billed amount or PKR 400 whichever is higher plus insurance premium, if any. You have the power to spend, as you always get your limit reinstated as soon as you make the payment. In case you utilize the revolving credit facility on your credit card, the current service fee is 2.083% per month i.e. APR 25% p.a. Convenient Payment Modes Live a worry-free life; make your payments through easy modes of payment to suit your convenience. These options will save your time and help you to maintain good credit history with AL Habib. No standing in long queues or the inconvenience of long procedures. AL Habib ATMs with your ATM/Debit Card Automated payment service at our Call Centre AL Habib Netbanking Direct Debit facility from your Bank AL Habib Account Drop Boxes placed at all the Bank AL Habib Branches Cheques Cash payment at any Bank AL Habib Branch

Customer Complaint

We strive to make your experience with Bank AL Habib pleasant and memorable. If you have any complaints, please register by clicking below Complaint Procedure Email Us feedback@bankalhabib.com BAHL Helpline (+92-21) 111-014-014 Nearest Branch Branch Locator If you want to reach us Click Here SBP Launches Sunwai - A Customer Complaint Management Portal Customers may register their complaint related to banking services, through ‘ Sunwai – A Customer Complaint Management Service by SBP ' accessible through web browser (https://sunwai.sbp.org.pk) as well as mobile application, both for Android and IOS users. Lodge a Complaint × You may also submit your suggestion/complaint at the website now.Are you sure want to proceed further? Proceed #main-slider .carousel-inner .sliderImg{ background-position:center 25% !important; }

Business Banking

Corporate Banking SME Banking Agriculture Banking Trade Services Cash Management Services Guarantees Employee Banking Solutions Corporate Banking At Bank AL Habib, Corporate Banking is all about building relationships and bridging gaps. Whether you are a large corporation or a small business house, being a business

Electronic Funds Transfer

Electronic Funds Transfer Facility Electronic Funds Transfer facility enables funds transfer between bank accounts, either within the same Bank or to another Bank or financial institution, using alternative delivery channels including ATMs, POS terminals, mobile and internet banking platforms, call center or any other channel approved by the State Bank of Pakistan. Bank AL Habib provides customers the following alternate delivery channels to initiate electronic funds transfer: AL Habib ATM through Debit Card AL Habib Mobile App AL Habib Netbanking Getting Started with Bank AL Habib`s Electronic Funds Transfer Services You need to have a Savings or Current Account in Bank AL Habib along with either a Debit Card or AL Habib Mobile App / Netbanking. EFT Limits Through AL Habib Debit Cards: AL Habib Signature Debit Card Rs 2,000,000/- AL Habib Platinum Debit Card Rs 500,000/- AL Habib Gold Debit Card Rs 400,000/- AL Habib Silver Debit Card Rs 300,000/- AL Habib UnionPay Debit Card Rs 250,000/- AL Habib PayPak Debit Card Rs 200,000/- Through AL Habib Mobile App/Netbanking: Raast P2P / 1-link per day Transaction Limits in PKR Transaction Mode Transaction Limits Any Bank AL Habib Account PKR 2,000,000 Own Account PKR 4,000,000 Any other Bank Account via RAAST PKR 500,000 Any other Bank Account via 1-Link (IBFT) PKR 500,000 EFT Charges There are no charges for customers who wish to transfer funds from one Bank AL Habib Account to another account within Bank AL Habib. If you wish to transfer funds from your Bank AL Habib account to a Bank Account in another Bank, the charges are as follows: Inter Bank Funds Transfer Free IBFT - Upto Rs. 25,000/- per month / per account. For the additional amount above Rs. 25,000/- per month per account, 0.1% of the transaction amount or Rs. 200, whichever is lower will be charged Error/Dispute/Complaint Reporting Procedures For support, you may contact: Your relationship branch where your Bank Account is maintained Our 24/7 Call Center (+92 21) 111-014-014 (+92 21 32446978 69 for international customers) Through Email via info@bankalhabib.com You may also drop your complaint / suggestion in the Complaint Box available at all Bank AL Habib branches and ATMs Alternatively, you may visit the provided link to submit a complaint, where the entire procedure is outlined for your convenience. Click here Availability of Online Funds Transfer Facility Service Availability: 24/7 Expected Duration for Fund Transfer Instantly, funds transfer on a real time basis. On successful funds transfer a SMS alert will be sent to customer registered mobile number, where available. An email alert along with the SMS alert will be sent to customers registered email address if transfer funds through AL Habib Mobile and Netbanking. Funds Transfer to Member Bank account ADVANCE MICROFINANCE BANK ALBARAKA ALLIED BANK LIMITED APNA MICROFINANCE BANK ASKARI BANK LIMITED BANK ALFALAH LIMITED BANK OF KHYBER BANK OF PUNJAB BANK ISLAMI CITI BANK DUBAI ISLAMIC BANK FINCA FINJA EMI WALLET FAYSAL BANK LIMITED FIRST WOMEN BANK HABIB BANK LIMITED HABIB METROPOLITAN BANK ICBC JS BANK LIMITED KMBL KHUSHALI MICRO FINANCE BANK MCB ARIF HABIB SAVINGS MCB BANK LTD MCB ISLAMIC BANK LTD MEEZAN BANK LIMITED MOBILINK MICROFINANCE BANK NAYAPAY NBP FUNDS MANAGEMENT NRSP NATIONAL BANK OF PAKISTAN SAMBA SILK BANK SINDH BANK SONERI BANK STANDARD CHARTERED BANK BANK MAKRAMAH LIMITED TELENOR MICROFINANCE BANK LTD HBL MICROFINANCE BANK U MICROFINANCE BANK UNITED BANK LIMITED ZARAI TARAQYATI BANK LTD AL MEEZAN INVESTMENTS CENTRAL DIRECTORATE OF NATIONAL SAVINGS (CDNS) CENTRAL DEPOSITORY COMPANY (CDC) DIGITT++ KEENU ONEZAPP PAYMAX SADAPAY TAG .contentSection.bank-list ul li { width: 24%; display: inline-block; vertical-align: top; margin-top: 25px; margin-bottom: 0; padding-right:20px; } .contentSection ul li{ line-height:1.5; } @media only screen and (max-width: 991px) { .contentSection.bank-list ul li { width: 33%; margin-top: 15px; } } @media only screen and (max-width: 767px) { .contentSection.bank-list ul li { width: 100%; } }